From: New Horizon Homes

To: Russell F. Caforio & Associates

"It is difficult to get up when it is dark, but I enjoy starting my Tuesday with the breakfast meeting of Platinum Networking Associates. Due to family illiness our speaker was unable to attend but Russ Caforio stepped in to facilitate an informative discussion about health care issues that will face all age groups come Jan 2014, also the advantages of having and HSA medical savings plan. We can even fund these plans for our children and take advantage of the tax write off. Russ is helping the group to understand how to get through these unknown medical waters smoothly."